CAJ | 학술논문

信用风险（信用体系不健全）、操作风险（法律风险和道德风险凸现）、技术风险（信息安全无保障）、政策风险（监管主体和法规的缺失）四大风险相互嵌套、相互融合已成为制约我国P2P网贷健康发展的关键所在。当下,监管当局应该致力于顶层设计,加快推进P2P互联网金融信用环境（体系）建设以消除信用风险、从政府监管（宏观层面）入手到倡导行业自律（行业中观层面）,再到提升从业人员职业素养（企业微观层面）为主线的渐进式改革方式消除操作风险,以完善系统建设,构建安全环境为抓手消除技术风险,以明确的监管主体和监管法规为保障消除不可预知的政策风险,切实推进我国P2P网贷的健康发展。
신용풍험（신용체계불건전）、조작풍험（법률풍험화도덕풍험철현）、기술풍험（신식안전무보장）、정책풍험（감관주체화법규적결실）사대풍험상호감투、상호융합이성위제약아국P2P망대건강발전적관건소재。당하,감관당국응해치력우정층설계,가쾌추진P2P호련망금융신용배경（체계）건설이소제신용풍험、종정부감관（굉관층면）입수도창도행업자률（행업중관층면）,재도제승종업인원직업소양（기업미관층면）위주선적점진식개혁방식소제조작풍험,이완선계통건설,구건안전배경위조수소제기술풍험,이명학적감관주체화감관법규위보장소제불가예지적정책풍험,절실추진아국P2P망대적건강발전。
The interweaving and integrating phenomenon of credit risk（imperfect credit system）, operational risk（the emerging legal risks and moral risks）, technology risk（ information insecurity） and policy risk（ lack of regulatory agencies and regulations） has become the key to the healthy development of the P2P lending in China. Now, regulatory authorities should focus on the top level design, and accelerate the construction of P2P Internet financial credit environment for, to eliminate credit risk. Meanwhile, a clue should be followed as taking the government regulation（ macro level） as the starting point, then promoting self-discipline（ medium level）, and finally improving professional quality of enterprise employees（ micro level） to eliminate operational risks in a way of gradual reform. We also need to perfect system construction, as well as build security environment to eliminate technological risks, and clarify regulatory agencies and regulatory laws to eliminate unpredictable policy risk, thus promote the healthy development of the P2P lending in our country.